LazyPay - LazyCard, Pay Later

200K reviews
Content rating
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About this app

Looking to pay later on your favourite merchants? Or understand more about your credit score? Look no further than LazyPay. LazyPay lets you buy now and pay later across merchants. You can pay the total every 15 days, without any interest. There are exciting merchant offers and cashbacks too. You can even use your LazyPay credit limit at any store that accepts UPI. And if the transaction is over INR 3000, you can convert it into EMIs.


India’s most rewarding credit card alternative is here! LazyCard is a lifetime free card that rewards you every time you use it. No hidden charges or annual or joining fees. Swipe it online or offline, and get up to 5% cashback on every transaction. Get welcome reward of flat Rs. 500 cashback! So take advantage of our quick application processing and get your LazyCard today!

Pay Later

Want to buy things and pay it later quickly? Just Buy Now, Pay Later (BNPL). Use our flexible no-cost payment options on your favourite merchants across 40k+ websites and mobile applications. With LazyPay’s BNPL services, you get a 30 day repayment period for your monthly transactions. So sign up today to get the credit that’s easy, instant and stress-free.

Credit through UPI

With LazyPay - you can scan UPI QR codes to pay using LazyPay Credit online & at shops everywhere. This is done via UPI payments using a special LazyPay UPI Credit handle that’s assigned to you. And if the purchase is over Rs. 3000, you can convert it into easy EMIs.

Merchant Offers

Craving a meal? Or a weekend getaway? You can use our services and look for Swiggy Coupons, Zomato Coupons, TataSky Coupons, MedLife Coupons and AbhiBus Coupons. Use LazyPay and get multiple offers, cash discounts as well as cashbacks while paying on your favourite applications.

Free Credit Score

Are you aware of what your credit score is? A healthy credit score ensures that you are eligible to get loans and saves you financial stress. You can use the free credit score check feature which would normally cost INR 1200 on the LazyPay app and find out your CIBIL credit score. This helps you instantly find out if you are eligible for a loan. It also helps keep a track of changes in your CIBIL score and improve your rating.

Instant Personal loan

Whatever your dreams and aspirations, LazyPay comes to your rescue with instant personal loans. This online loan can reach you within minutes. Our instant personal loans are cash loans where the lump sum amount is transferred to your bank account. The entire process is paperless making sure there is no contact with anyone during these trying times.

LazyPay is India’s leading online Instant Credit app offering its users a credit limit between Rs 10,000 to Rs 1 lakh with instant approval and zero collateral. Personal loan interest rates range from 15% to 32% p.a. with EMI tenures of 3 to 24 months. You can use it to travel, buy electronics, cover medical expenses, home renovations & more!

*Sample EMI Calculation*
Loan amount = Rs 10,000 Tenure = 6 months, @ interest rate of 18%* p.a.
EMI = Rs 1,755/- p.m.
Processing fee = Rs. 200
Total Payment = Rs. 10,730
* Interest rate varies

Join over 2 million fellow Indians using the LazyPay application daily to get instant personal loans, check their credit scores, and make payments easily.
Have questions? Reach out to us at or raise your query here:

It is important to note, we believe in total transparency and data safety and security. All your information stored with us will never be shared with anyone for any reason.

Xpress Cash from 3,000 to 1 lakh with an Annual Repayment Period - 3 to 18 months. Percentage rate (APR) between 16-32% on a reducing balance basis
Revolve rates - 36% to 42% Revolve there is no period for repayment. It's a monthly rolling feature
Convert to EMI - 3 month 24% | 6 month 26% Tenure basis- 3 to 6 months.
Updated on
Jun 28, 2022

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
No data shared with third parties
Learn more about how developers declare sharing
This app may collect these data types
Location, Personal info and 8 others
Data is encrypted in transit
You can request that data be deleted
200K reviews
14 14
November 2, 2021
Used this service for over a year. Never missed a payment. I have an excellent credit score. but I didn't like the fact that they kept adding 18rs everyday as a late payment fee on a due amount of just 500rs especially when I was going thru a hard time. and the late fee was supposed to be 10rs when I first used the app. There is no customer service to reach out to for your grievances. Uninstalling.
3 people found this review helpful
PayU Finance (India) Private Limited
November 3, 2021
Hi 14 14, This is definitely not the experience we want you to have. We'd like to understand the issue and help you with it. Please write us at so our support team will address you further.
Satya Tnsf
May 10, 2022
Disappointed with payback feature. I have clicked on pay button, but it's not responding. I have tried multiple times. Result, 18% fine including the great GST. I have logged in through chrome and paid the due. I wrote a positive feedback in the past. If it is a technical error, we may accept it once. If it is a cheap trick to earn money, it would be a cheap trick for sure.
531 people found this review helpful
PayU Finance (India) Private Limited
May 11, 2022
Hi, We apologize for the unpleasant experience you had with us. Appreciate if you can email us to with the concern and we will address you.
June 19, 2022
I have been using LazyPay since about 6 months now and it is pretty reliable. They are here to do some serious business and are providing great service. I use it on a lot of merchants in fact on the payment page if I see Simpl or LazyPay I make sure that I use only the two of them as it gives me increased credit repayment time and more cash back. You should give it a shot, trust me.